No. To ensure security for our customers, we will not accept payment via the telephone. We will, however, accept payments via our online payment portal. NOTE: Making payments directly through the Kentucky FAIR Plan online portal will ensure proper processing. Using outside third party vendors, like Doxo or banking sites, may add considerable processing time. Any delay beyond the due date of the payment may result in cancellation for non-payment.

The Kentucky FAIR Plan offers a Full Pay; Semi-Annual; Quarterly; 5-Pay; and Mortgagee billed.

Losses can be completed by filling out an electronic loss notice.

The Kentucky FAIR Plan Reinsurance Association offers property insurance to qualified applicants in Kentucky who, through their agent or producer, are unable to secure insurance through the standard insurance market for reasons beyond their control. The FAIR Plan may be an answer for responsible property owners or homeowners who are having a problem obtaining property insurance in the standard market.

The FAIR Plan offers Dwelling Fire, Commercial Fire, Commercial Farm Fire and Homeowners coverage for property owners . Depending on the type of policy you have, coverage may provide protection against loss from such hazards as fire, lightning, wind, hail, explosion, smoke, vehicles, aircraft, and vandalism and malicious mischief. The FAIR Plan Homeowners policy provides additional coverages including liability. Talk to your agent and review your declarations page and policy forms to confirm the perils you are protected against.

Contact any licensed Kentucky producer. The producer will help you decide what coverages are available in the FAIR Plan.

There are reasonable standards that must be met to be insured by the FAIR Plan. Please refer to the Articles of Association. Disclaimer: The information contained here is a general summary of the programs offered by the Kentucky FAIR Plan Reinsurance Association. The insured’s legal rights are determined by the insurance policy and Kentucky Revised Statutes, not by the contents of this website. Underwriting rules, rates and standards are subject to change.

Direction to allow pop-ups:

Chrome:

1. On your computer, open Chrome.
2. At the top right, click More. Settings.
3. Under “Privacy and security,” click Site settings.
4. Click Pop–ups and redirects.
5. At the top, turn the setting to Allowed or Blocked.

Microsoft Edge:

1. Click the Settings and more… button.
2. Click Settings.
3. Click Privacy & security.
4. Scroll down to Security.
5. Click the Block pop-ups switch to toggle it between Off and On.
• Note: Set this option to Off to disable the pop-up blocker or On to enable it.

Microsoft Internet Explorer 10/11 (Windows 7/8)

1. Open Internet Explorer.
2. From the Tools menu, select Pop–up Blocker → Pop–up Blocker Settings. The Pop–up Blocker Settings dialog box opens.
3. Click Add. The selected website is added to the list of Allowed sites.
4. Click Close to close the Pop–up Blocker Settings dialog box.

To find an producer in your area, visit the website Kentucky Independent Insurance Agents | Trusted Choice. Once on the website, select the 'Get Insured' option in the top left corner of the page. Select 'Agent Directory by State' from the options. Select the State on the map. Scroll down and select City to see a list of agencies in the area.

Governor Andy Beshear issued a written statement on November 3, 2025 following Insurance Commissioner Sharon Clark’s Bulletin urging all property and casualty insurers to voluntarily implement protective measures for insureds who are both (1) federal employees; and (2) impacted by the federal government shutdown. These protective measures as outlined by Insurance Commissioner Sharon Clark may include (1) Deferment on Cancellations; (2) Time Period Extension for Payments; or (3) Time Period Extension for Repairs. If you have been directly impacted as a federal employee (not receiving compensation due to the shutdown of the Federal Government), please review the Department of Insurance Bulletin link below. If you are unable to make your payment timely and are concerned with the possible cancellation of your Kentucky FAIR Plan Property insurance policy, please contact our offices to speak directly to one of our team members. Federal Shutdown Kentucky Department of Insurance Bulletin PDF